Rudolph likes to skydive as a hobby. Though he is careful when he skydives, why is his life insurance premium likely higher than Sandy, who jogs as a hobby?

That's because some hobbies, such as sky diving, are considered to put your life at risk. In 2012, the United States Parachute Association recorded 19 fatal sky diving accidents in the U. S., out of roughly 3.1 million jumps.

While this statistic may seem low, sky diving is generally seen as an activity that brings a higher rate of life-threatening risks than other pastimes, like hiking or playing tennis. If you sky dive regularly, you could pay up to an average of $2,500 more per year for a $500,000 life insurance policy,

Because skydiving is more of risk to Rudolph life, meaning if something happens the life insurance would pay for anything that would happen to him.

its like car insurance. a jeep costs more because it can flip easy, and its meant to go anywhere and is more likely to get banged up in the mountains, ect